Global Payment Management For Magento 2 User’s Guide .
Global Payment Managementfor Magento 2User’s GuideVersion 4.0.030 December 2020CyberSource Global Management Payment for Magento 21
Table of Contents12Introduction . 51.1Document Revision History . 51.2Payment Tokenization with Secure Acceptance . 51.3Credit Card Services . 61.4Decision Manager . 61.5Account Takeover Protection . 61.6Payer Authentication (3-D Secure) . 71.7PayPal Express Checkout . 81.8Electronic Check (eCheck). 91.9Online Bank Transfers . 91.10Tax Calculation .101.11Delivery Address Verification .101.12PayPal Credit .101.13Visa Checkout.101.14Klarna .101.15Google Pay .10CyberSource Configuration .122.1Secure Acceptance Configuration .122.1.1Create New Profile .122.1.2General Settings.142.1.3Payment Settings .152.1.4Security .162.1.5Payment Form.172.1.6Notifications .182.1.7Customer Response .192.1.8Branding .192.2Decision Manager .202.2.1Orders .202.2.2Refunds .202.2.3Custom Fields .202.3Security Credentials .222.3.1Create a SOAP Toolkit Key .23CyberSource Global Management Payment for Magento 22
2.3.2Create a REST API Key .242.3.3Create a Report Download User .252.43Backend Setup .27Magento Backend Configuration Settings .283.1General Settings.293.1.1reCAPTCHA.293.1.2WebService Configuration .323.1.3Device Fingerprint .333.1.4Delivery Address Verification Services .333.2Secure Acceptance.343.2.1Secure Acceptance settings .343.2.2Payer Authentication .393.2.3Checkout API Profile .403.2.4Hosted Checkout Profile .413.2.5Save Card for Later Service .423.3E-Check .433.3.1Payment Event Types.433.3.2Testing .433.4Decision Manager .473.5Klarna .483.6PayPal Express Checkout .493.7Bank Transfer .503.7.1iDEAL .513.7.2Sofort .523.7.3Bancontact .533.7.4EPS.543.7.5giropay .553.8Visa Checkout.563.9Google Pay .573.10Apple Pay .583.10.1Create a Merchant ID.583.10.2Creating Payment Processing Certificate .603.10.3Domain Validation .61CyberSource Global Management Payment for Magento 23
43.10.4Creating Merchant Identity Certificate.623.10.5Extension configuration .633.11Account Updater .643.12WeChatPay.653.13Taxes .663.13.1Product Tax Classes.663.13.2CyberSource Tax Services Settings .673.14Transactional Emails .693.15Cron Settings .70Payment UX .714.1Using Iframe Mode .714.2Using Redirect Mode .724.3Tokens .724.3.1Saving a Card.724.3.2Magento Tokens .734.3.3Paying with Tokens .734.3.4Migrating tokens created in version 2 to version 3 .734.45Apple Pay .73Administration Use .755.1Capturing Funds for Authorized Transactions .755.2Canceling Authorized Transactions .765.3Refunding a Captured Order.765.4Creating an order in the Admin .786Best security practices .797CyberSource Documentation.80CyberSource Global Management Payment for Magento 24
1 IntroductionThe purpose of this manual is to guide a user through the configuration settings and use of theCyberSource Global Payment Management Extension for the Magento 2.x ecommerce platform. Whereappropriate, this manual will reference documentation produced by CyberSource. The CyberSourceGlobal Payment Management Extension for Magento 2 includes the following CyberSource paymentmanagement capabilities:1.1 Document Revision HistoryVersion1.0.02.0.0ReleaseMarch 2017August 20172.0.2December 20172.0.33.0.0January 2018June 20183.1.0October 20193.1.1January 20203.1.2March 20204.0.04.1.0May 2020June 20204.2.0August 20204.3.0September 2020ChangesInitial ReleaseAdded support for Secure Acceptance SOP, Electronic Checks,Online Bank Transfers (Bancontact, Sofort, iDEAL), TaxCalculation, and Delivery Address Verification.Updated settings descriptions and screenshots to reflect recentupdates to the extension.Added instructions for configuring shipping taxesAdded Account updater moduleAdded ATP moduleAdded Klarna moduleAdded Visa Checkout moduleAdded Apple Pay ModuleSecure Acceptance module reworked with payment methodadapter architecture.eCheck module reworked with payment method adapterarchitecture.Update for module version 3.1.0Update configuration instructions for the new EBCUpdate configuration instructions for Apple Pay moduleAdded reCAPTCHA configuration instructionsAdded new configuration options descriptionAdded Flex Microform configuration instructionsAdded REST Web Service configuration options descriptionAdded new configuration options descriptionUpdated TemplateAdded Google Pay configuration instructions.Updated with changes for configuration options.Added WeChat Pay configuration instructions.Updated with changes for configuration options.Decision Manager Details section updateSecure Acceptance Module section updateTable 1.1: Document Revision History1.2 Payment Tokenization with Secure AcceptanceThe CyberSource extension for Magento uses Secure Acceptance to securely collect sensitive card datafrom the consumer’s browser. Secure Acceptance prevents sensitive payment data from ever touchingCyberSource Global Management Payment for Magento 25
your systems to reduce your overall PCI scope, potentially allowing merchants to qualify for the SAQ Aor SAQ A-EP. The extension also incorporates CyberSource Tokenization, which replaces sensitivepayment trans-action data with a unique identifier that cannot be reverse-engineered. The uniqueidentifier is called a payment token (also known as a Profile ID or Subscription ID), which is stored inMagento and takes the place of sensitive cardholder information, allowing your operations to runwithout sensitive card data in your environment.1.3 Credit Card ServicesThe CyberSource Magento extension includes the following credit card services: AuthorizationSale (Authorization Capture)Authorization ReversalCaptureCreditVoid1.4 Decision ManagerDecision Manager is a fraud management platform that prevents fraud losses and gives you theflexibility to control business practices and policies in real time. With Decision Manager, you canaccurately identify and review potentially risky transactions while minimizing the rejection of validorders.The CyberSource Magento extension includes: Real-time fraud screening performed during AuthorizationDevice FingerprintingOn-Demand Conversion Detail Report for changes in order status1.5 Account Takeover ProtectionCyberSource Account Takeover Protection defends consumers and merchants from fraudulent uses ofonline accounts. It helps identify high risk users at account creation and login, and monitors forsuspicious account changes.The CyberSource Magento extension includes: Real-time event screening account creation, login, and account changesDevice FingerprintingCyberSource Global Management Payment for Magento 26
1.6 Payer Authentication (3-D Secure)CyberSource Payer Authentication services enable you to add support to your web store for cardauthentication services offered by Visa, MasterCard, and other card brands. These programs verify thecardholder’s identity directly with the card issuing bank in real-time to increase payment security andreduce the risk of fraud; however, Payer Authentication is not a fraud management service, andCyberSource recommends that you implement a comprehensive fraud management program such asDecision Manager in addition to Payer Authentication services.The CyberSource Magento extension includes the following Payer Authentication programs: Verified by VisaMasterCard Secure CodeAmerican Express SafeKeyDiscover ProtectBuyJCBDinnersMaestro InternationalDue to recent mandates for French local processors handling Payer Authentication (3-D Secure)transactions. If you wish to process through the following processors:- CMCIC- Atos- BNPThen the following payment combination does not support the mandate:CyberSource Global Management Payment for Magento 27
1.7 PayPal Express CheckoutThe CyberSource Extension for Magento includes the PayPal Express Checkout payment method.Processing your PayPal transactions through CyberSource allows you to consolidate all payment typesunder a single gateway account, simplify integration efforts, screen PayPal transactions for fraud withDecision Manager, and streamline reporting.The CyberSource Magento extension supports the following PayPal services: SessionsCheck StatusOrderAuthorizationAuthorization ReversalCaptureSaleRefundPayPal CreditBilling AgreementsCyberSource Global Management Payment for Magento 28
1.8 Electronic Check (eCheck)Electronic checks, also known as e-checks, are a form of digital payment that serves the same functionas a physical check. When a merchant accepts an electronic check payment, the funds are pulled directlyfrom the customer’s checking or savings account.The CyberSource Magento extension supports the following e-check services: DebitCreditE-checks will process refunds when you use the credit payment service.1.9 Online Bank TransfersOnline banking services enable customers to pay for goods by pushing money from their bank accountto the merchant.The CyberSource Magento extension supports the following payment methods and correspondingonline bank transfer services: Bancontacto Saleo Check Statuso Refundo Country: BelgiumSoforto Saleo Check Statuso Refundo Country: many European regionsiDEALo Optionso Saleo Check Statuso Refundo Country: NetherlandsEPSo Saleo Check Statuso Refundo Country: Austriagiropayo Saleo Check StatusCyberSource Global Management Payment for Magento 29
oCountry: Germany1.10 Tax CalculationThe tax calculation service provides real-time tax calculation at the time of checkout for orders placedworldwide with your business.The CyberSource Magento extension supports the Tax calculation service.1.11 Delivery Address VerificationThe Delivery Address Verification service verifies typed addresses and corrects invalid city/state/ZIPcombinations in real-time.The CyberSource Magento extension supports the Delivery Address Verification service while updatingshipping information if this feature is enabled in the Magento admin.1.12 PayPal CreditPayPal Credit is a payment method allowing merchants to accept a PayPal transaction where thecustomer elects to finance their purchase through PayPal.1.13 Visa CheckoutVisa Checkout can increase sales conversion by making it easier for your customers to pay with theircard online.The CyberSource extension for Magento supports the following services: Visa Checkout buttonGet Visa Checkout DataAuthorizationSale (Authorization Capture)Authorization ReversalCaptureCreditVoid1.14 KlarnaKlarna credit provides a seamless user experience for online consumer financing to merchants of allsizes, increasing consumer choice, loyalty, and grow sales. The goal of this is to implement Authorize, Capture, and Refund functionality for this paymentmethod.1.15 Google PayGoogle pay allows the customers to pay the order in a blink of an eye with their payment cards.CyberSource Global Management Payment for Magento 210
CyberSource Global Management Payment for Magento 211
2 CyberSource ConfigurationBefore configuring Magento, the CyberSource Enterprise Business Center needs to be configured.Customer payments are managed by both Magento and the CyberSource Enterprise Business Center(EBC). This section covers the mandatory settings that must be configured in the EBC, as well as somegeneral use cases that will be typical in the day to day management of your Magento store.Merchants will need to contact CyberSource Customer Support for product availability and enablement.2.1 Secure Acceptance ConfigurationTo start profile configuration, visit the CyberSource Business Center by following one of these URL’s.Testing URL: https://ebctest.cybersource.com/ebc2/Production URL: https://ebc.cybersource.com/ebc2/In the left navigation panel, choose Payment Configuration Secure Acceptance SettingsOnce on that panel, choose the button in the top right labeled Create New Profile.Figure 2.1: CyberSource Business Center Secure Acceptance Profiles Configuration – New Profile button2.1.1 Create New ProfileA Magento instance can have many Secure Acceptance Profiles but you need at least one. The Profilewill hold settings related to the cards you accept, the currency and other settings including the ProfileID, and Security Access Keys needed by Magento to communicate with CyberSource.Figure 2.2 below shows the profile creation screen. Secure Acceptance is offered in two differentmodes: Hosted Checkout (formerly Web/Mobile) is a hosted payment page, available in iframe orredirect method.CyberSource Global Management Payment for Magento 212
Checkout API (formerly Silent Order POST (SOP)) directly posts card data from your customer’sbrowser to CyberSource. The customer never leaves your site, and your site never receives anycard data which reduces PCI DSS scope.Ensure you select either the Hosted Checkout or Checkout API Integration Method and select allrelevant checkboxes in the Added Value Services section.Note: Payment tokenization is required for using this extension; Decision Manager is optional.Figure 2.2: CyberSource Business Center Secure Acceptance Profiles Configuration - Create New ProfileCyberSource Global Management Payment for Magento 213
2.1.2 General SettingsFigure 2.3: CyberSource Business Center Secure Acceptance Profiles Configuration - General SettingsAfter you have saved the profile, you can begin configuring it. The first step is General Settings. Pleasemake note of the Profile ID. This is a key setting needed for Magento. See Section 3.4 and Section 3.9.Note: Payment tokenization is required.Note: Decision manager and related settings are only required if you use Decision Manager.CyberSource Global Management Payment for Magento 214
2.1.3 Payment SettingsIn this section, you can specify which card types are allowed for the payment method. You can alsoselect currency, CVN Display, CVN Required and Payer Authentication options.Note: In order to enable PayPal Express Checkout payments just enable and configure it in Magentosettings, not here. The extension implements PayPal payments natively. See Section 3.10.Figure 2.4: CyberSource Business Center Secure Acceptance Profiles Configuration - Payment SettingsCyberSource Global Management Payment for Magento 215
2.1.4 SecurityIn the Security panel you will create an Access Key and a Secret Key needed to complete the setup of theMagento 2 Module. See Section 3.4 and Section 3.9.Figure 2.5: CyberSource Business Center Secure Acceptance Profiles Configuration - Security SettingsIf you still do not have any keys generated click on ‘ ’ button and create a new key.Figure 2.6: CyberSource Business Center Secure Acceptance Profiles Configuration - Key CreationCyberSource Global Management Payment for Magento 216
2.1.5 Payment FormIf using Secure Acceptance Hosted Checkout (Web/Mobile), when a customer is either redirected to thehosted payment page at CyberSource or if they see the modal popup window during checkout, they willsee a payment form that has been configured with the settings below. These settings are not applicablefor the Secure Acceptance Checkout API (Silent Order POST) configuration.These settings have no effect on the integration with Magento and can be configured to your specificneeds.Figure 2.7: CyberSource Business Center Secure Acceptance Profiles Configuration - Payment Form SettingsCyberSource Global Management Payment for Magento 217
2.1.6 NotificationsOn this configuration panel, you can choose the Merchant POST URL if you wish to get POSTnotifications of each transaction that gets processed through SOP.Figure 2.8: CyberSource Business Center Secure Acceptance Profiles Configuration - Notifications SettingsThe Merchant POST URL is: your base url a configure endpoint in your server For example, if your website URL is http://www.example.com/ then the Merchant POST URL would n you configure a Merchant POST URL you will also see additional settings for the card digitsreturned and stored in Magento.CyberSource Global Management Payment for Magento 218
2.1.7 Customer ResponseResponse pages are URL’s that customers get directed to when a transaction is completed or has beencancelled. NOTE: Required for Secure Acceptance Successful TransactionsFigure 2.9: CyberSource Business Center Secure Acceptance Profiles Configuration - Customer Response ConfigurationYour Transaction Response page URL is your base url /cybersource/index/placeOrderFor example, if your website URL is http://www.example.com/ then the Transaction Response URLwould be rYour Custom Cancel Response Page URL is your base url /cybersource/index/cancelFor example, if your website URL is http://www.example.com/ then the Transaction Response URLwould be .8 BrandingIn this section you can customize look and feel of the Hosted Checkout page. It doesn’t affect Magentointegration directly. These settings are not applicable for the Secure Acceptance Checkout API (SilentOrder POST).CyberSource Global Management Payment for Magento 219
2.2 Decision ManagerFor the purposes of configuring Magento to work with Decision Manager, the following sections outlinesome brief topics that help describe how Magento and Decision Manger will work together.2.2.1 OrdersWhen enabled, Decision Manager runs in real time with the Authorization. The possible decisions areACCEPT, REJECT, REVIEW, or ERROR. Orders set to REVIEW by Decision Manager will be marked asPending Review in Magento.When you change an order in Decision Manager Case Management from REVIEW to REJECT or ACCEPT,Magento will not immediately learn of this change. Magento will learn of any changes to paymenttransaction states periodically (by cron every 2 minutes) by contacting CyberSource and querying forchanges. Section 3.6 describes how you configure Magento Cron settings that will trigger a Magentotask that will look for Decision Manager changes and update Magento Orders accordingly.If a change in state is detected, the module will update the order status in Magento from PendingReview to one of these states: Processing, Pending Payment, or Closed.Please note that if an order is Pending Review in Decision Manager, you cannot prepare an invoice inMagento until it is accepted in Decision Manager.2.2.2 RefundsPlease note the order must be either Accepted or Rejected in Decision Manager before you are able toissue a refund. Rejecting an order in Decision Manager will automatically perform an AuthorizationReversal for the order as part of the Cron process that queries CyberSource for updates in DecisionManager.2.2.3 Custom FieldsDecision Manager supports up to 100 custom fields called Merchant Defined Data Fields. TheCyberSource Module for Magento 2 will send ten of these fields, but they must be configuredinside Decision Manager in order to make use of them.CyberSource Global Management Payment for Magento 220
Figure 2.10: CyberSource Business Center Decision Manager Custom Fields ConfigurationCyberSource Global Management Payment for Magento 221
To add the additional custom fields provided by Magento 2, log into the Business Center and navigate toDecision Manager Shared Configuration Custom Fields. Use the tables below to configure the fields.To add a field, click the Add Custom Field button, select the Order Element and input the name. Followthe table below to map the correct element and name.Field NameLogged in customerAccount creation datePurchase History CountLast Order DateMember account ageRepeat customerCoupon Code UsedDiscount AmountGift MessageOrder SourceShipping Method CodeShipping Method DescriptionOrder elementMerchant defined data1Merchant defined data2Merchant defined data3Merchant defined data4Merchant defined data5Merchant defined data6Merchant defined data2
1.12 PayPal Credit PayPal Credit is a payment method allowing merchants to accept a PayPal transaction where the customer elects to finance their purchase through PayPal. 1.13 Visa Checkout Visa Checkout can increase sales conversion by making it easier for
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